Charging pile payment method, system and device, equipment, storage medium and product

Abstract

The embodiment of the invention provides a charging pile payment method, system and device, equipment, a storage medium and a product, and relates to the field of financial science and technology. The method comprises the following steps: acquiring identity information of a target vehicle, and sending a signing request to a user side based on the identity information; authorization information sent by the user side is received, a payment protocol is generated based on the authorization information, and the authorization information is generated by the user side according to the contract signing request; after charging of the target vehicle is completed, based on the payment protocol, sending a payment execution request to the user side, so that the user side responds to the payment execution request of the charging pile side, executes payment operation and obtains a payment operation result; and controlling the unlocking state of the charging pile corresponding to the target vehicle according to the payment operation result. According to the method, the charging payment process is simplified, so that the charging payment efficiency is improved, and the user experience is improved. Through the payment protocol and the unlocking state control, the phenomena of wrong fee deduction and fee evasion are avoided, and the safety of charging payment is improved.

Description

Technical Field

[0001] This application relates to the field of financial technology, and in particular to a charging pile payment method, system, device, equipment, storage medium and product. Background Technology

[0002] With the increasing popularity of electric vehicles, the demand for charging stations in public parking lots has surged, and users have placed higher demands on the convenience, efficiency, and safety of charging services.

[0003] In existing public parking lot payment scenarios, users need to complete a complex payment process before and after charging, which is prone to failure due to network latency or operational errors. Public parking lot payments mostly rely on third-party platforms, and transaction confirmation takes 3-5 minutes, easily leading to disputes over late fees caused by "leaving before being charged." Furthermore, the lack of a unified interface between parking lots, banks, and payment platforms necessitates manual intervention for bill verification, resulting in low efficiency for charging payments at parking lot charging stations and a poor user experience. Summary of the Invention

[0004] This application provides a charging pile payment method, system, device, equipment, storage medium, and product to solve the technical problem of low charging payment efficiency in parking lot charging piles.

[0005] Firstly, this application provides a charging pile payment method, applied to the charging pile terminal, including:

[0006] Obtain the target vehicle's identity information, and based on that information, send a contract request to the user's device.

[0007] Receive authorization information sent by the user client, and generate a payment agreement based on the authorization information. The authorization information is generated by the user client according to the signing request.

[0008] After the target vehicle has finished charging, a payment execution request is sent to the user terminal based on the payment protocol, so that the user terminal can respond to the payment execution request of the charging pile terminal, execute the payment operation, and obtain the payment operation result;

[0009] Based on the payment transaction result, control the unlock status of the charging station corresponding to the target vehicle.

[0010] Secondly, this application provides a charging pile payment method, applied to the user end, including:

[0011] Obtain a contract signing request. The contract signing request is sent by the charging pile terminal based on the identity information of the target vehicle.

[0012] Based on the signing request, generate the corresponding authorization information and send the authorization information to the charging pile terminal;

[0013] After the target vehicle has finished charging, in response to the payment execution request from the charging pile, the payment operation is performed, the payment operation result is obtained, and the payment operation result is sent to the charging pile so that the charging pile can control the unlocking status of the charging pile corresponding to the target vehicle based on the payment operation result.

[0014] Thirdly, this application provides a charging pile payment system, which includes a charging pile terminal and a user terminal;

[0015] The charging pile terminal is used to obtain the identity information of the target vehicle, and based on the identity information, sends a contract request to the user terminal;

[0016] The user terminal is used to obtain the contract signing request; based on the contract signing request, it generates the authorization information corresponding to the contract signing request and sends the authorization information to the charging pile terminal;

[0017] The charging station is also used to receive authorization information sent by the user terminal, generate a payment agreement based on the authorization information, and send a payment execution request to the user terminal based on the payment agreement after the target vehicle has finished charging.

[0018] The user terminal is also used to respond to the payment execution request from the charging pile terminal, execute the payment operation, obtain the payment operation result, and send the payment operation result to the charging pile terminal;

[0019] The charging station terminal is also used to control the unlocking status of the charging station corresponding to the target vehicle based on the payment operation result.

[0020] Fourthly, this application provides a charging pile payment device, applied at the charging pile end, the device comprising:

[0021] The first acquisition module is used to acquire the identity information of the target vehicle and, based on the identity information, send a contract request to the user terminal.

[0022] The first generation module is used to receive authorization information sent by the user terminal, and generate a payment agreement based on the authorization information. The authorization information is generated by the user terminal according to the signing request.

[0023] The first sending module is used to send a payment execution request to the user terminal based on the payment protocol after the target vehicle has finished charging, so that the user terminal can respond to the payment execution request of the charging pile terminal, perform the payment operation, and obtain the payment operation result.

[0024] The control module is used to control the unlocking status of the charging pile corresponding to the target vehicle based on the payment operation result.

[0025] Fifthly, this application provides a charging pile payment device for use at the user end, the device comprising:

[0026] The second acquisition module is used to acquire a contract signing request. The contract signing request is obtained by the charging pile terminal from the identity information of the target vehicle and sent based on the identity information.

[0027] The second generation module is used to generate authorization information corresponding to the signing request based on the signing request, and send the authorization information to the charging pile terminal;

[0028] The payment module is used to respond to the payment execution request from the charging pile after the target vehicle has finished charging, perform the payment operation, obtain the payment operation result, and send the payment operation result to the charging pile so that the charging pile can control the unlocking status of the charging pile corresponding to the target vehicle based on the payment operation result.

[0029] Sixthly, this application provides an electronic device, including: a processor and a memory communicatively connected to the processor;

[0030] The memory stores instructions that the computer executes;

[0031] The processor executes computer-executable instructions stored in memory to implement any of the methods of the first aspect.

[0032] In a seventh aspect, this application provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the method of any one of the first aspects.

[0033] Eighthly, this application provides a computer program product, including a computer program that, when executed by a processor, implements the method of any one of the first aspects.

[0034] The charging pile payment method, system, device, equipment, storage medium, and product provided in this application identify the vehicle at the charging pile, push a contract request to the user terminal, generate a payment agreement through user authorization, request the user terminal to execute a payment operation based on the payment agreement, and control the unlocking status of the charging pile according to the payment operation result. This simplifies the charging payment process, thereby improving charging payment efficiency and enhancing the user experience. While improving the convenience of charging payment, the payment agreement and unlocking status control prevent erroneous charges and evasion, thus improving the security of charging payment. Attached Figure Description

[0035] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0036] Figure 1 A schematic diagram of the charging process for parking lot charging stations;

[0037] Figure 2A flowchart illustrating a charging pile payment method provided in this application embodiment. Figure 1 ;

[0038] Figure 3 A flowchart illustrating a charging pile payment method provided in this application embodiment. Figure 2 ;

[0039] Figure 4 This is an interactive schematic diagram of a charging pile payment system provided in an embodiment of this application;

[0040] Figure 5 A schematic diagram of the structure of a charging pile payment device provided in this application embodiment. Figure 1 ;

[0041] Figure 6 A schematic diagram of the structure of a charging pile payment device provided in this application embodiment. Figure 2 ;

[0042] Figure 7 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application.

[0043] The accompanying drawings have illustrated specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to specific embodiments. Detailed Implementation

[0044] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0045] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of the relevant data all comply with the relevant laws, regulations, and standards of the relevant countries and regions, have taken necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation access points for users to choose to authorize or refuse.

[0046] Furthermore, the technical solution involved in this application, which involves big data analysis of user information (including but not limited to personal biometrics, identity data, consumption data, asset data, electronic terminal operation data, etc.) and the use of artificial intelligence technology for automated decision-making, and makes decisions that have a significant impact on personal rights based on the results of automated decision-making, provides users with corresponding operation entry points for users to choose to agree to or reject the results of automated decision-making; if the user chooses to reject, the process will proceed to the expert decision-making process.

[0047] It should be noted that the charging pile payment method, system, device, equipment, storage medium and product provided in this application can be used in the field of fintech, or in any field other than fintech. The application field of the charging pile payment method, system, device, equipment, storage medium and product in this application is not limited.

[0048] The specific application scenario for this application is the use of charging piles in parking lots. Figure 1 A schematic diagram of the charging process for parking lot charging stations, such as... Figure 1 As shown, users need to complete a complex payment process before and after charging, including scanning a code, selecting a charging station, entering a password, and confirming payment—multiple steps. Meanwhile, parking resources (such as charging station spaces) are often underutilized due to poor management. Furthermore, delayed payments or evasion after charging are frequent occurrences, exacerbating operators' management costs and eroding user trust.

[0049] Existing charging station charging scenarios primarily rely on manual intervention and traditional payment methods, resulting in the following significant drawbacks: Cumbersome payment processes: Users must manually complete multiple steps, including scanning a code, selecting a charging station, entering a password, and confirming payment, averaging over 2 minutes. Payment failures are also prone to occur due to network latency or operational errors. Lack of parking space management mechanisms: Unregistered users frequently occupy charging spaces or fail to promptly remove charging stations after completion, leading to high average idle rates for charging stations. Furthermore, the lack of physical locking mechanisms easily triggers disputes over parking space occupancy, with some users unplugging and plugging in other users' charging heads, causing equipment damage and increasing annual maintenance costs by 15%-20%. Insufficient real-time payment system: Traditional payments rely on third-party platforms, with transaction confirmation taking 3-5 minutes, easily leading to late payment disputes due to "deducting payment after leaving the site." Additionally, the lack of a unified interface between parking lots, banks, and payment platforms necessitates manual intervention for bill verification. Security and scalability deficiencies: QR codes are easily counterfeited or tampered with, and the existing architecture struggles to support compatibility with multiple brands of charging stations and multiple bank interfaces, limiting large-scale application.

[0050] The charging pile payment method, system, device, equipment, storage medium and product provided in this application identify the vehicle identity at the charging pile end, push a contract request to the user terminal, generate a payment agreement through user terminal authorization, request the user terminal to perform a payment operation based on the payment agreement, and control the unlocking status of the charging pile according to the payment operation result, aiming to solve the above-mentioned technical problems of the prior art.

[0051] The technical solution of this application and how the technical solution of this application solves the above-mentioned technical problems are described in detail below with specific embodiments. These specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described again in some embodiments. The embodiments of this application will be described below with reference to the accompanying drawings.

[0052] Figure 2 A flowchart illustrating a charging pile payment method provided in this application embodiment. Figure 1 It is used at the charging pile end, such as Figure 2 As shown, the method includes:

[0053] S201. Obtain the identity information of the target vehicle, and based on the identity information, send a contract request to the user terminal.

[0054] In one example, the identity information of the target vehicle can be obtained through a camera combined with artificial intelligence to capture the vehicle's license plate information. This license plate information is then matched against the user's account information and the account's seamless payment authorization status. If the user's account is authorized to use seamless payment, the system automatically controls the unlocking of the charging station in the target vehicle's parking space, allowing the vehicle to enter and charge. If the user's account is not authorized to use seamless payment, the user must manually pay or select another payment method.

[0055] For example, the identity information of the target vehicle can be obtained by embedding a dynamic QR code in the license plate of the target vehicle. The encryption sequence of the dynamic QR code is automatically updated every preset time period, so that the charging pile can read the dynamic QR code and compare it with the cloud dynamic key library pre-stored at the charging pile end in real time to determine the identity information of the target vehicle.

[0056] S202. Receive authorization information sent by the user terminal, and generate a payment agreement based on the authorization information.

[0057] In this embodiment of the application, the authorization information is generated by the user client based on the signing request.

[0058] In one example, the user, in response to a signing request, enters into a seamless payment agreement through the system, binding their bank card, the target vehicle's license plate, and vehicle information, supporting the binding of multiple target vehicles. The charging station generates a payment agreement based on the authorization information, specifying deduction limits, real-time notification mechanisms, and unbinding rules. After the target vehicle connects to the charging station, the system triggers billing upon insertion of the charging gun. Edge computing nodes at the charging stations synchronize the payment agreement information to the blockchain, allowing other charging stations to directly access the payment agreements of target vehicles already stored on the blockchain.

[0059] S203. After the target vehicle has finished charging, a payment execution request is sent to the user terminal based on the payment protocol, so that the user terminal responds to the payment execution request of the charging pile terminal, performs the payment operation, and obtains the payment operation result.

[0060] In one example, after the target vehicle has finished charging, the UnionPay payment interface is invoked to send an encrypted payment execution request. This request includes merchant information, amount, and user token. Through the UnionPay payment interface, the UnionPay network routes the request in real-time to the issuing bank of the user's account, verifies the user's bank card status and balance, confirms the fund transfer corresponding to the charging, and provides feedback on the payment operation result, including payment success, payment failure, and the reason for payment failure.

[0061] S204. Based on the payment operation result, control the unlocking status of the charging pile corresponding to the target vehicle.

[0062] In one example, since the user's payment operation can result in either successful or failed payment, upon successful payment, the parking space lock device of the charging pile corresponding to the target vehicle is released, allowing the target vehicle to leave. Upon failed payment, the parking space lock device of the charging pile corresponding to the target vehicle remains locked. The system sends a payment notification to the user, requiring the user to complete the payment before the parking space lock device of the charging pile corresponding to the target vehicle is released. For example, if the user's account balance is insufficient, the payment is made using the account's credit limit; if the credit limit payment fails, the user's account is downgraded.

[0063] The charging pile payment method provided in this embodiment identifies the vehicle at the charging pile, pushes a contract request to the user terminal, generates a payment agreement with user authorization, requests the user terminal to execute a payment operation based on the payment agreement, and controls the charging pile's unlock status according to the payment operation result. This simplifies the charging payment process, thereby improving charging payment efficiency and enhancing the user experience. While improving the convenience of charging payment, the payment agreement and unlock status control prevent erroneous charges and evasion, thus improving the security of charging payment.

[0064] Optionally, a payment protocol is generated based on the authorization information, including: generating a payment protocol based on the authorization information using a hierarchical token architecture, wherein the hierarchical token architecture includes hardware-level tokens, edge-level tokens, and on-chain tokens, where hardware-level tokens are generated through a security chip, edge-level tokens are derived through edge nodes, and on-chain tokens are obtained through smart contract verification.

[0065] In one example, a dynamic hierarchical token can be generated through a hierarchical token architecture. When the charging gun is inserted at the charging station, a hardware-level token TTK is generated through the security chip at the charging station. The edge node derives an edge-level token ETK. After the smart contract verifies the validity of the edge token ETK, it issues an on-chain token CTK.

[0066] For example, the dynamic hierarchical tokens include: L1 hardware-level tokens, which are generated by pre-installing a unique device key UDK in the security chip of the charging port of the charging pile, and generating a temporary hardware-level token TTK each time charging, with a validity period of ≤5 minutes. In this application, the specific validity period is not limited; L2 edge-level tokens, which are generated by edge nodes encrypting the hardware-level token TTK with an encryption algorithm to generate edge-level token ETK, which is used for payment verification within the region; and L3 on-chain token ETK, which is generated by signing with a smart contract to generate an on-chain payment certificate CTK, written to the consortium blockchain, and issued as an on-chain token CTK.

[0067] By using hardware-level tokens and edge-level tokens derived from edge nodes, the security of payment information during transmission and storage is ensured; by using on-chain tokens and verifying them based on smart contracts, fictitious payment information is prevented, thus improving the credibility of charging payments; the generated payment protocol supports multi-bank interface compatibility, reducing the complexity of system expansion.

[0068] Optionally, based on the payment protocol, a payment execution request is sent to the user terminal, including: based on the payment protocol, calling the payment system through a preset interface to send the payment execution request to the user terminal. The preset interface is a standardized interface that is compatible with different payment systems.

[0069] In one example, the preset interface can be a standardized UnionPay interface, capable of being compatible with the payment systems of different banks. Through the preset interface, different banks only need to connect to the UnionPay network without needing to develop separate adaptation interfaces. When charging is complete, the charging station sends an encrypted payment execution request to the user through the preset interface. The payment execution request includes the merchant information of the charging station, the charging amount, and the user's dynamic hierarchical token. The payment execution request is routed to the bank corresponding to the user's account via the UnionPay network. The bank corresponding to the user's account responds in real time, verifying the card status and balance of the user's account. The bank corresponding to the user's account returns the charging operation result to the preset interface, which is then transmitted to the charging station. The payment operation result is a standardized payment operation result. Specifically, if the payment operation result is successful, the system confirms the transfer of the charging amount and triggers the unlocking of the parking space for the charging station corresponding to the target vehicle; if the payment operation result is unsuccessful, the parking space for the charging station corresponding to the target vehicle is locked, and a supplementary payment notification is pushed to the user.

[0070] By using a standardized pre-defined interface, it directly connects to different payment systems, significantly reducing payment time, eliminating payment time differences, and resolving disputes between operators and users caused by time differences. Furthermore, by using a standardized pre-defined interface compatible with different payment systems, it further reduces the complexity of system adaptation.

[0071] Optionally, based on the payment operation result, the unlocking status of the charging pile corresponding to the target vehicle can be controlled, including: based on the payment operation result and a smart contract, triggering the lock control logic of the charging pile corresponding to the target vehicle. The lock control logic includes unlocking the charging pile corresponding to the target vehicle when the payment operation result is successful, and keeping the charging pile corresponding to the target vehicle locked when the payment operation result is unsuccessful.

[0072] In one example, a parking space locking device can be used as the lock. This device enforces a "payment successful - parking space unlock" logic to prevent payment evasion. The smart contract automatically executes lock control based on the payment result (success / failure), triggering the lock control logic of the charging station corresponding to the target vehicle. Specifically, the lock control logic includes: if the payment is successful, the parking space locking device of the charging station corresponding to the target vehicle is unlocked, allowing the vehicle to leave. If the payment fails, the parking space locking device of the charging station corresponding to the target vehicle remains locked, a payment notification is sent to the user's device, and the vehicle cannot leave the parking lot.

[0073] By automatically executing lock control based on payment results through smart contracts, without human intervention, the transparency and immutability of lock control logic are improved. By forcing users to complete payment before leaving through lock control logic, evasion of payment is prevented, and the lock control logic is synchronized with the payment status, thereby improving the utilization rate of charging piles.

[0074] Optionally, the method also includes: triggering multi-factor authentication when the payment operation fails, including SMS verification code and biometric verification; after the multi-factor authentication is successful, if the user's account has insufficient balance, making payment based on a preset limit advance payment mechanism until the payment operation is successful, and then unlocking the charging pile corresponding to the target vehicle.

[0075] In one example, when the payment operation fails, multi-factor authentication, such as SMS verification code + biometric authentication, is automatically triggered. After multi-factor authentication, the parking space locking device of the charging pile corresponding to the target vehicle can only be unlocked after the user completes the payment and the payment operation is successful, allowing the target vehicle to leave. If the user's account balance is insufficient, the charging fee will be paid in advance based on the user's account credit limit.

[0076] By triggering multi-factor authentication when the payment operation fails, the security of charging payment is improved; parking spaces can only be unlocked after payment is completed after multi-factor verification, reducing the phenomenon of evading payment; and the temporary credit line advance payment mechanism avoids blocking the charging queue, further improving the efficiency of charging payment at charging piles.

[0077] Optionally, the method also includes: obtaining the temporal anomaly, spatial anomaly, payment anomaly, and biometric deviation of the account corresponding to the user terminal; obtaining the evaluation result of the account corresponding to the user terminal based on a preset dynamic risk scoring model; and triggering a tiered response based on the evaluation result, which is used to handle the account corresponding to the user terminal in different ways.

[0078] In one example, parking lot charging station resources are scarce during peak hours, leading to inefficiency due to disorderly queuing by users. Therefore, by processing unauthorized vehicles occupying charging stations or abnormal user behavior, the rational allocation of charging station resources can be achieved. A preset dynamic risk scoring model can be used to determine the risk value of the target vehicle, obtaining the evaluation result of the corresponding user account. For example, the risk value = 0.4 × time anomaly + 0.3 × space anomaly + 0.2 × payment anomaly + 0.1 × biometric deviation, where the weights of time anomaly, space anomaly, payment anomaly, and biometric deviation are adjusted according to the actual scenario. In this application, the weights of time anomaly, space anomaly, payment anomaly, and biometric deviation are not limited. Based on different evaluation results, different levels of tiered responses are triggered, such as alerts, power restrictions, account freezing, and linkage with traffic management platforms.

[0079] In one implementation scenario, a lightweight model can be deployed at the edge node of the charging station to obtain evaluation results in real time and trigger a tiered response. Deploying the lightweight model locally at the charging station reduces dependence on the cloud, enables rapid response to abnormal behavior even in weak network environments, reduces system communication overhead, improves processing efficiency, and enhances system robustness by combining edge nodes with blockchain for collaborative verification.

[0080] In another implementation scenario, a digital twin system can be used to generate a navigation view, simulate parking space status in real time, and dynamically determine the optimal charging station route. This optimal charging station route is then pushed to the user's device, guiding them to charge their devices via this route during off-peak hours.

[0081] By leveraging the multi-dimensional characteristics of user accounts, the charging risk of accounts can be dynamically evaluated, and abnormal behavior can be accurately identified. By implementing tiered responses to charging risks, rapid intervention in abnormal behavior can be achieved without the need for manual intervention, significantly reducing operational labor costs and improving the efficiency of charging payment at charging stations.

[0082] Figure 3 A flowchart illustrating a charging pile payment method provided in this application embodiment. Figure 2 Applied to the user end, such as Figure 3 As shown, the method includes:

[0083] S301, Obtain a contract request.

[0084] In this embodiment of the application, the signing request is a signing request sent by the charging pile terminal based on the identity information of the target vehicle.

[0085] S302. Based on the signing request, generate the authorization information corresponding to the signing request and send the authorization information to the charging pile terminal.

[0086] In one example, based on the signing request, the user can authorize with a single click using biometrics to generate the authorization information corresponding to the signing request.

[0087] S303. In response to the payment execution request from the charging pile terminal, perform the payment operation, obtain the payment operation result, and send the payment operation result to the charging pile terminal so that the charging pile terminal controls the unlocking status of the charging pile corresponding to the target vehicle based on the payment operation result.

[0088] In one example, after the target vehicle has finished charging, the bank's payment system can be called through a preset interface to complete the charging payment confirmation and fund transfer in real time. The preset interface is a standardized interface that supports the compatibility of multiple bank payment systems.

[0089] The charging pile payment method provided in this embodiment generates a payment agreement on the charging pile through a user-authorized contract request. The user then executes the payment operation based on the payment agreement, and the charging pile controls the unlocking status according to the payment operation result. This reduces the charging payment process, improves charging payment efficiency, and thus enhances the user experience. While improving the convenience of charging payments, the payment agreement and unlocking status control prevent erroneous deductions and evasion of payment, thereby improving the security of charging payments.

[0090] Figure 4 This is a schematic diagram illustrating the interaction of a charging pile payment system provided in an embodiment of this application. Figure 4 As shown, the system includes a charging pile terminal and a user terminal; the charging pile is used to perform the following steps:

[0091] S201. Obtain the identity information of the target vehicle, and based on the identity information, send a contract request to the user terminal.

[0092] S202. Receive authorization information sent by the user terminal, and generate a payment agreement based on the authorization information.

[0093] S203. After the target vehicle has finished charging, a payment execution request is sent to the user terminal based on the payment agreement.

[0094] S204. Based on the payment operation result, control the unlocking status of the charging pile corresponding to the target vehicle.

[0095] The client is used to perform the following steps:

[0096] S301, Obtain a contract request.

[0097] S302. Based on the signing request, generate the authorization information corresponding to the signing request and send the authorization information to the charging pile terminal.

[0098] S303. In response to the payment execution request from the charging pile terminal, perform the payment operation, obtain the payment operation result, and send the payment operation result to the charging pile terminal.

[0099] The charging pile payment system provided in this embodiment identifies the vehicle at the charging pile, pushes a contract request to the user terminal, generates a payment agreement upon user authorization, requests the user terminal to execute a payment operation based on the payment agreement, and controls the charging pile's unlock status according to the payment operation result. This streamlines the charging payment process, thereby improving charging payment efficiency and enhancing the user experience. While improving the convenience of charging payments, the payment agreement and unlock status control prevent erroneous charges and evasion, thus improving the security of charging payments. The system reduces the charging payment process by requiring user authorization for a contract request, generating a payment agreement at the charging pile, executing the payment operation at the user terminal based on the agreement, and controlling the charging pile's unlock status according to the payment operation result. This improves the user experience. Furthermore, the payment agreement and unlock status control prevent erroneous charges and evasion, thus enhancing the security of charging payments.

[0100] Figure 5 A schematic diagram of the structure of a charging pile payment device provided in this application embodiment. Figure 1 ,like Figure 5 As shown, the charging pile payment device 50 provided in this embodiment is applied to the charging pile end and includes:

[0101] The first acquisition module 501 is used to acquire the identity information of the target vehicle and, based on the identity information, send a contract request to the user terminal.

[0102] The first generation module 502 is used to receive authorization information sent by the user terminal, and generate a payment agreement based on the authorization information. The authorization information is generated by the user terminal according to the signing request.

[0103] The first sending module 503 is used to send a payment execution request to the user terminal based on the payment protocol after the target vehicle has finished charging, so that the user terminal responds to the payment execution request of the charging pile terminal, performs the payment operation, and obtains the payment operation result.

[0104] The control module 504 is used to control the unlocking status of the charging pile corresponding to the target vehicle based on the payment operation result.

[0105] In one possible implementation, the first generation module 502 is specifically used to: generate a payment protocol based on authorization information using a hierarchical token architecture, wherein the hierarchical token architecture includes hardware-level tokens, edge-level tokens, and on-chain tokens, the hardware-level tokens are generated through a security chip, the edge-level tokens are derived through edge nodes, and the on-chain tokens are obtained through smart contract verification.

[0106] In one possible implementation, the first sending module 503 is specifically used to: based on the payment protocol, call the payment system through a preset interface, and send a payment execution request to the user terminal. The preset interface is a standardized interface that is compatible with different payment systems.

[0107] In one possible implementation, the control module 504 is specifically used to: based on the payment operation result and a smart contract, trigger the lock control logic of the charging pile corresponding to the target vehicle. The lock control logic includes unlocking the charging pile corresponding to the target vehicle when the payment operation result is successful, and keeping the charging pile corresponding to the target vehicle locked when the payment operation result is unsuccessful.

[0108] In one possible implementation, the charging pile payment device is further configured to: trigger multi-factor authentication when the payment operation fails, including SMS verification code and biometric verification; after the multi-factor authentication is successful, if the user's account has insufficient balance, make payment based on a preset limit advance payment mechanism until the payment operation is successful, and unlock the charging pile corresponding to the target vehicle.

[0109] In one possible implementation, the charging pile payment device is further used to: obtain the time anomaly degree, spatial anomaly degree, payment anomaly degree, and biometric deviation degree of the account corresponding to the user terminal; obtain the evaluation result of the account corresponding to the user terminal based on a preset dynamic risk scoring model; and trigger a graded response based on the evaluation result, which is used to process the account corresponding to the user terminal in different ways.

[0110] The charging pile payment device provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and will not be described in detail here.

[0111] Figure 6 A schematic diagram of the structure of a charging pile payment device provided in this application embodiment. Figure 2 ,like Figure 6 As shown, the charging pile payment device 60 provided in this embodiment is applied to the user end and includes:

[0112] The second acquisition module 601 is used to acquire a contract signing request. The contract signing request is a contract signing request sent by the charging pile terminal based on the identity information of the target vehicle.

[0113] The second generation module 602 is used to generate authorization information corresponding to the signing request based on the signing request, and send the authorization information to the charging pile terminal;

[0114] The payment module 603 is used to perform a payment operation in response to the payment execution request of the charging pile after the target vehicle has finished charging, obtain the payment operation result, and send the payment operation result to the charging pile so that the charging pile can control the unlocking status of the charging pile corresponding to the target vehicle according to the payment operation result.

[0115] The charging pile payment device provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and will not be described in detail here.

[0116] Figure 7 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Figure 7 As shown, the electronic device 70 may include a memory 701 and a processor 702. Optionally, the electronic device may also include a transceiver 703, wherein the memory 701 and the processor 702 communicate with each other; for example, the memory 701, the processor 702 and the transceiver 703 may communicate via a communication bus 704, the memory 701 is used to store a computer program, and the processor 702 executes the computer program to implement the method of the above embodiments.

[0117] Optionally, the aforementioned processor can be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), etc. The general-purpose processor can be a microprocessor or any conventional processor. The steps in the method embodiments disclosed in this application can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules within the processor.

[0118] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the methods in any of the above method embodiments.

[0119] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the methods in any of the above method embodiments.

[0120] All or part of the steps in the above method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a readable memory. When the program is executed, it performs the steps of the above method embodiments; and the aforementioned memory (storage medium) includes: read-only memory (ROM), RAM, flash memory, hard disk, solid-state drive, magnetic tape, floppy disk, optical disk, and any combination thereof.

[0121] This application describes embodiments with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It should be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processing unit of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processing unit of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0122] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0123] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0124] Obviously, those skilled in the art can make various modifications and variations to the embodiments of this application without departing from the spirit and scope of this application. Therefore, if these modifications and variations to the embodiments of this application fall within the scope of the claims of this application and their equivalents, this application also intends to include these modifications and variations.

[0125] In this application, the term "comprising" and its variations can refer to non-limiting inclusion; the term "or" and its variations can refer to "and / or". The terms "first", "second", etc., in this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. In this application, "multiple" refers to two or more. "And / or" describes the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can represent: A existing alone, A and B existing simultaneously, and B existing alone. The character " / " generally indicates that the preceding and following related objects have an "or" relationship.

[0126] It should be noted that, for the sake of simplicity, the foregoing method embodiments are all described as a series of actions. However, those skilled in the art should understand that this application is not limited to the described order of actions, as some steps may be performed in other orders or simultaneously according to this application. Furthermore, those skilled in the art should also understand that the embodiments described in the specification are all optional embodiments, and the actions and modules involved are not necessarily essential to this application.

[0127] It should be further noted that although the steps in the flowchart are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowchart may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these sub-steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the sub-steps or stages of other steps.

[0128] It should be understood that the above-described device embodiments are merely illustrative, and the device of this application can also be implemented in other ways. For example, the division of units / modules in the above embodiments is only a logical functional division, and there may be other division methods in actual implementation. For example, multiple units, modules, or components may be combined, or integrated into another system, or some features may be ignored or not executed.

[0129] Furthermore, unless otherwise specified, the functional units / modules in the various embodiments of this application can be integrated into one unit / module, or each unit / module can exist physically separately, or two or more units / modules can be integrated together. The integrated units / modules described above can be implemented in hardware or as software program modules.

[0130] When integrated units / modules are implemented in hardware, the hardware can be digital circuits, analog circuits, etc. The physical implementation of the hardware structure includes, but is not limited to, transistors, memristors, etc. Unless otherwise specified, the processor can be any suitable hardware processor, such as a CPU, GPU, FPGA, DSP, and ASIC, etc. Unless otherwise specified, the storage unit can be any suitable magnetic or magneto-optical storage medium, such as Resistive Random Access Memory (RRAM), Dynamic Random Access Memory (DRAM), Static Random Access Memory (SRAM), Enhanced Dynamic Random Access Memory (EDRAM), High-Bandwidth Memory (HBM), Hybrid Memory Cube (HMC), etc.

[0131] If the integrated unit / module is implemented as a software program module and sold or used as an independent product, it can be stored in a computer-readable storage device (CMD). Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a memory and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this application. The aforementioned memory includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0132] In the above embodiments, the descriptions of each embodiment have their own emphasis. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments. The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as the combination of these technical features does not contradict each other, it should be considered within the scope of this specification.

[0133] Other embodiments of this application will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of this application that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this application are indicated by the following claims.

[0134] It should be understood that this application is not limited to the precise structure described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this application is limited only by the appended claims.

Claims

1. A charging pile payment method, characterized in that, The method is applied to a charging pile end, and comprises the following steps: Obtain identity information of a target vehicle, and send a signing request to a user end based on the identity information; Receive authorization information sent by the user end, and generate a payment protocol based on the authorization information, wherein the authorization information is generated by the user end according to the signing request; After the target vehicle is fully charged, send a payment execution requirement to the user end based on the payment protocol, so that the user end performs a payment operation in response to the payment execution requirement of the charging pile end, and obtains a payment operation result; According to the payment operation result, control the unlocking state of the charging pile corresponding to the target vehicle.

2. The method of claim 1, wherein, The method further comprises the following steps: Based on the authorization information, a layered token architecture is used to generate the payment protocol, wherein the layered token architecture comprises a hardware-level token, an edge-level token and an on-chain token, the hardware-level token is generated by a secure chip, the edge-level token is derived by an edge node, and the on-chain token is obtained by verifying a smart contract.

3. The method of claim 1, wherein, The method further comprises the following steps: Based on the payment protocol, a payment system is called through a preset interface to send a payment execution requirement to the user end, wherein the preset interface is a standardized interface and is compatible with different payment systems.

4. The method of claim 2, wherein, The method further comprises the following steps: According to the payment operation result, the smart contract is used to trigger a lock control logic of the charging pile corresponding to the target vehicle, wherein the lock control logic comprises releasing the lock of the charging pile corresponding to the target vehicle when the payment operation result is payment success, and keeping the lock of the charging pile corresponding to the target vehicle when the payment operation result is payment failure.

5. The method of claim 3, wherein, The method further comprises the following steps: When the payment operation result is payment failure, a multi-factor authentication is triggered, wherein the multi-factor authentication comprises an SMS verification code and a biometric verification; After the multi-factor authentication is passed, if there is an account balance shortage in the account corresponding to the user end, a payment is made based on a preset quota advance mechanism until the payment operation result is payment success, and the lock of the charging pile corresponding to the target vehicle is released.

6. The method of claim 1, wherein, The method further comprises the following steps: Obtain a time abnormality degree, a space abnormality degree, a payment abnormality degree and a biometric feature deviation degree of the account corresponding to the user end, and obtain an evaluation result of the account corresponding to the user end based on a preset dynamic risk scoring model; According to the evaluation result, a hierarchical response is triggered, wherein the hierarchical response is used to perform different processing modes on the account corresponding to the user end.

7. A charging station payment method, characterized by, The method is applied to a user end, and comprises the following steps: Obtain a signing request, wherein the signing request is a signing request sent by a charging pile end based on identity information of a target vehicle; Generate authorization information corresponding to the signing request according to the signing request, and send the authorization information to the charging pile end; After charging of the target vehicle is completed, a payment operation is performed in response to a payment execution requirement of the charging pile end, a payment operation result is obtained, and the payment operation result is sent to the charging pile end, so that the charging pile end controls an unlocking state of the charging pile corresponding to the target vehicle according to the payment operation result.

8. A charging station payment system characterized by, The system comprises a charging pile end and a user end; The charging pile end is configured to obtain identity information of a target vehicle, and send a signing request to the user end based on the identity information; The user end is configured to obtain the signing request; The user end is configured to obtain the signing request; The user end is configured to obtain the signing request; The charging pile end is further configured to receive the authorization information sent by the user end, generate a payment protocol based on the authorization information, and send a payment execution requirement to the user end based on the payment protocol after charging of the target vehicle is completed; The user end is further configured to perform a payment operation in response to the payment execution requirement of the charging pile end, obtain a payment operation result, and send the payment operation result to the charging pile end; 9. A charging station payment device, characterized by, The charging pile end is further configured to control an unlocking state of the charging pile corresponding to the target vehicle according to the payment operation result. The device applied to the charging pile end comprises: A first obtaining module is configured to obtain identity information of a target vehicle, and send a signing request to a user end based on the identity information; A first generating module is configured to receive authorization information sent by the user end, and generate a payment protocol based on the authorization information, the authorization information being generated by the user end according to the signing request; A first sending module is configured to send a payment execution requirement to the user end based on the payment protocol after charging of the target vehicle is completed, so that the user end performs a payment operation in response to the payment execution requirement of the charging pile end, obtains a payment operation result, and sends the payment operation result to the charging pile end; 10. A charging post payment device, characterized by, A control module is configured to control an unlocking state of the charging pile corresponding to the target vehicle according to the payment operation result. The device applied to the user end comprises: A second obtaining module is configured to obtain a signing request, the signing request being sent by a charging pile end based on identity information of a target vehicle; A second generating module is configured to generate authorization information corresponding to the signing request according to the signing request, and send the authorization information to the charging pile end; 11. An electronic device, comprising: A payment module is configured to perform a payment operation in response to a payment execution requirement of the charging pile end after charging of the target vehicle is completed, obtain a payment operation result, and send the payment operation result to the charging pile end, so that the charging pile end controls an unlocking state of the charging pile corresponding to the target vehicle according to the payment operation result. The device comprises: A processor and a memory connected to the processor in communication; The memory stores computer execution instructions; The processor executes the computer execution instructions stored in the memory to implement the method according to any one of claims 1 to 7.

12. A computer-readable storage medium, characterized in that, The computer readable storage medium stores computer-executable instructions which, when executed by a processor, implement the method of any one of claims 1 to 7.

13. A computer program product, characterised in that, A computer program which, when executed by a processor, implements the method of any one of claims 1 to 7.

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